You've seen how a repository can be accessed in many different ways. But is it possible—or safe—for your repository to be accessed by multiple methods simultaneously? The answer is yes, provided you use a bit of foresight.
At any given time, these processes may require read and write access to your repository:
regular system users using a Subversion client (as
          themselves) to access the repository directly via
          file:/// URLs;
regular system users connecting to SSH-spawned private svnserve processes (running as themselves) which access the repository;
an svnserve process—either a daemon or one launched by inetd—running as a particular fixed user;
an Apache httpd process, running as a particular fixed user.
The most common problem administrators run into is repository
      ownership and permissions.  Does every process (or user) in the
      previous list have the rights to read and write the Berkeley DB
      files?  Assuming you have a Unix-like operating system, a
      straightforward approach might be to place every potential
      repository user into a new svn group, and
      make the repository wholly owned by that group.  But even that's
      not enough, because a process may write to the database files
      using an unfriendly umask—one that prevents access by
      other users.
So the next step beyond setting up a common group for
      repository users is to force every repository-accessing process
      to use a sane umask.  For users accessing the repository
      directly, you can make the svn program into a
      wrapper script that first sets umask 002 and
      then runs the real svn client program.  You
      can write a similar wrapper script for the
      svnserve program, and add a umask
      002 command to Apache's own startup script,
      apachectl.  For example:
$ cat /usr/bin/svn #!/bin/sh umask 002 /usr/bin/svn-real "$@"
Another common problem is often encountered on Unix-like
      systems.  As a repository is used, Berkeley DB occasionally
      creates new log files to journal its actions.  Even if the
      repository is wholly owned by the svn group,
      these newly created files won't necessarily be owned by that
      same group, which then creates more permissions problems for
      your users.  A good workaround is to set the group SUID bit on
      the repository's db directory.  This causes
      all newly-created log files to have the same group owner as the
      parent directory.
Once you've jumped through these hoops, your repository should be accessible by all the necessary processes. It may seem a bit messy and complicated, but the problems of having multiple users sharing write-access to common files are classic ones that are not often elegantly solved.
Fortunately, most repository administrators will never
      need to have such a complex configuration.
      Users who wish to access repositories that live on the same
      machine are not limited to using file://
      access URLs—they can typically contact the Apache HTTP
      server or svnserve using
      localhost for the server name in their
      http:// or svn:// URLs.
      And to maintain multiple server processes for your Subversion
      repositories is likely to be more of a headache than necessary.
      We recommend you choose the server that best meets your needs
      and stick with it!